Climate Change Is Intensifying – Are You Prepared?
- 24 July 2025
- Posted by: SAIA
- Category: Insurance Risks
The impact of climate change is becoming increasingly visible across South Africa. From hailstorms and violent windstorms to relentless floods, extreme weather events are growing in both frequency and intensity. The recent floods in the Eastern Cape serve as a stark reminder of this escalating threat. These events not only disrupt daily life but also leave lasting devastation; damaged homes and vehicles, lost livestock, and, in severe cases, loss of human life as witnessed in the Eastern Cape floods.
Given this increasing risk, the South African Insurance Association (SAIA) is urging individuals and businesses to act now: understand the threats, take preventive measures, and engage with non-life insurers to access suitable insurance products. These actions can reduce financial vulnerability and strengthen resilience against climate-related disasters.
“We are witnessing first-hand how climate change is impacting communities, with damages to properties and infrastructure becoming more frequent,” says Themba Palagangwe, General Manager: Governance and Transformation at SAIA.
What’s Changing and Why It Matters
Climate risks are no longer distant threats—they are current realities. The severe floods in KwaZulu-Natal in April 2022 alone cost the economy R54 billion, with insurers bearing nearly half of that burden. Globally, insured losses from natural disasters now surpass US$100 billion each year. These increasing costs have serious consequences for the insurance industry’s capacity to underwrite risk, potentially limiting access to cover for households and businesses alike. Therefore, collaboration between communities, insurers, and the government is essential for developing effective risk mitigation strategies.
“Extreme weather has real financial consequences. We urge consumers not only to insure their property but also to manage their risks proactively,” says Palagangwe. “This means regular maintenance of your covered assets, vigilance, and understanding what your policy covers.”
Three Practical Steps to Protect Your Assets
SAIA encourages all South Africans to adopt a three-part strategy for building resilience in the face of climate uncertainty:
Preventive maintenance can significantly reduce damage during extreme weather.
For homes:
- Clear gutters and storm drains regularly.
- Check roofs for damaged tiles or sheets.
- Trim overhanging branches near your home.
- Inspect walls and foundations for cracks or weak points.
For vehicles:
- Keep up with regular servicing.
- Check tyres for proper grip and wear.
- Ensure wiper blades function properly—visibility is critical during storms.
- If you live in a hail-prone area, invest in a padded car cover if you lack sheltered parking.
Every small measure you take today helps reduce tomorrow’s repair costs.
Staying informed and prepared can prevent unnecessary harm.
- Keep an eye on local weather updates and heed alerts.
- Avoid unnecessary travel during extreme weather.
- If driving during a storm, seek shelter in a safe, covered area.
- Secure outdoor furniture and ensure that emergency supplies (flashlights, power banks, etc.) are readily available.
- Have an evacuation plan and know your exits.
Planning ahead fosters confidence, not fear.
Non-life insurance can serve as a crucial buffer against the financial impacts of climate-related events. Yet many policyholders remain unaware of what their insurance truly covers.
SAIA recommends the following:
- Review your policy regularly, especially after making significant changes, such as moving, renovating, or acquiring new assets.
- Know your excess, limits, and exclusions—do not assume everything is covered.
- Keep premiums up to date to avoid lapses in coverage.
- Do not hesitate to consult your insurer or broker—clarity is your right, not a privilege.
“Insurance shouldn’t be seen as a grudge purchase; it’s a resilience tool,” adds Palagangwe. “It helps you recover faster after a setback, offering invaluable peace of mind.”
Resilience begins with small, intentional actions. Whether it’s trimming a tree branch, checking a tyre, or speaking to your insurance advisor, take the first step today. Nature may be unpredictable, but your response doesn’t have to be.
Issued on behalf of:
SAIA Corporate Affairs
Office: +27 11 726 5381
Email: corporateaffairs@saia.co.za
For Further Information:
Angela Karnein
Mobile: +27 72 560 8700
Email: saia@fticonsulting.com
About the SAIA
The South African Insurance Association (SAIA) is the representative body of the non-life insurance industry. It represents the industry to all relevant stakeholders to ensure a sustainable and dynamic industry. SAIA has 55 members, comprising all categories of non-life insurers, including reinsurers. Its members abide by the SAIA Code of Conduct, which ensures adherence to best-practice industry standards and self-regulation.
Its vision is to promote and represent the interests of the non-life insurance industry, while leading and enhancing the efforts of the industry to become recognised and trusted as an important contributor to the South African economy and society.